United Home Life

2018 Trip 

Baltic Sea Cruise

United Home Life offers Whole Life and Term Life. E-applications are available. NO E & O is required. This company will accept monthly direct bill and offers a guaranteed issue product.

 

 

UHL has an easy issue product for insulin-dependent clients ages 20 to 80  from $2,000 up to $50,000 through their Express Issue Delux product in the Whole Life product line or through UHL's term products they can qualify for a 20 year ROP single issue.

 

UHL is now accepting social security draft dates on the second, third, or fourth Wednesday of each month for the Final Expense, Term, and reinstatement applications.

Product Details

Final Expense:

Not Available in MT, NY, SD, WY

E-Application Not Available in MA

PHI Interview Still Required with E-Apps

Guarantee Issue Not Available in AR, MA, MN, NH, NJ, KS, NV

 

Express Issue:

Ages 25 to 80 (varies in CA, NE, NJ, PA)

Minimum Amount $2,000

Maximum Amount $25,000

Graded Benefit 2-Years

PHI Required

 

Riders:

No-cost Identity Theft Benefit

Hospital Stay Benefit

Common Carrier Accidental Death Benefit

 

Express Issue Deluxe:

Ages 20 to 80

Minimum amount $5,000

Maximum Amount $50,000

PHI Required

Suitable for insulin-dependent diabetics

 

Available Riders:

Child

ADB (Minimum $10,000)

No-cost Terminal Illness Benefit

 

Express Issue Premier:

Ages 20 to 80 

Minimum Amount $5,000

Maximum Amount Ages 20-60 $100,000 for Ages 61-80 $50,000

PHI Required

Suitable for COPD, Dementia, Alzheimers up to $25,000

 

Riders: 

Child

ADB ($10,000 Minimum)

No-cost Terminal Illness Benefit

 

Guarantee Issue:

Ages 45 to 75 (NE 45-65)

Minimum Amount $5,000

Maximum Amount $10,000

No Underwriting

No PHI

3-Year Graded Benefit

 

Accidental Death:

Ages 18 to 60

Coverage Doubles over 20 years. Return of Premium option, No PHI. ONE underwriting question.  

Amount $50,000 to $200,00

 

State Availability

 Term Products:

Simpe Term 20 ROP:

At the end of 20 years client has option to continue the policy with annually increasing rates, receive a refund of the 20-year level premiums and coverage ends, use the surrender value to purchase reduced paid-up coverage to age 95 with no more premiums due.

Ages 20 to 60 (NT)

Ages 20 to 40 (T)

Minimum Amount $50,000

Maximum Amount:

Ages 20-45 $200,000

Ages 46-55 $150,000

Ages 56-60 $100,000

 

Provider Whole Life:

Ages 0 to 80

Minimum Amount $10,000

Maximum Amounts:

0-50 $150,000,

51-60 $100,000,

61-80 $50,000

Simplified Issue Standard and Preferred 

PHI Required

 

Riders:

Waiver of Premium

No-cost Terminal Illness Benefit

No-cost $25,000+ face Amounts:

Common CarrierADB, Life Threatening Cancer Accelerated Benefit

Issue Ages 0-17 No-cost Guarantee Issue Insurability 

 

Express Issue Term 20:

Ages 20 to 60

Minimum Amount $25,000

Maximum Amount:

Ages 20-45 $200,000

Ages 46-55 $150,000

Ages 56-60 $100,000

20-Year Level Term

 

Riders:

Waiver of Premium

Child

ADB

No-cost Terminal Illness Benefit

 

Express Issue Term 30:

Ages 20 to 55

Minimum Amount $25,000

Maximum Amounts:

Ages 20-45 $200,000

Ages 45-55 $150,000

 

Riders:

Waiver of Premium

Child

ADB

No-cost Terminal Illness Benefi

 

Riders:

Child

No-cost Terminal Illness Benefit

 

Nationwide Agents | Home Office Located in Landrum SC 1-(888) 288-8512

© 2018 Golden Heritage Insurance 

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